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How to Buy a High-End VR Headset

How to · Tech

How to Buy a High-End VR Headset

Get your gaming setup without the stress of a single lump-sum payment by timing your purchase and managing your cash flow.

VoAtlas editorial Updated · 3 min read
Typical cost $600 before anything else
Across the 0% window $40.00/mo 15 months, no interest

How we got that: $600 spread evenly across the 15-month introductory window on the Discover it® Cash Back. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

A high-end VR headset is an investment in your gaming space. Buying the right model once means you won't need an upgrade for years, so don't settle for entry-level gear that will frustrate you in six months.

Tech cycles move fast, but the best deals usually land during holiday sales. Wait for those dips, and if you can, grab last year's flagship model when it goes on clearance; you will get better performance for your money than a brand new mid-tier unit.

Remember that the 15-month window is a deadline, not a pass to ignore your balance. If you still have a remaining amount on the card after the 15 months are up, you will start paying interest on whatever is left over.

The steps

  1. 01

    Track the price

    Use a price-tracking tool to watch the $600 price tag. Wait until the holiday sales start to see if it drops. Don't buy until you see a clear discount.

  2. 02

    Use your 0% intro APR

    Use your Discover it® Cash Back card to buy the headset. This gives you 0% intro APR for 15 months on purchases and balance transfers. This means you can split the cost into smaller chunks without paying interest during that window.

  3. 03

    Set your payment schedule

    Divide the total cost by the number of months you want to pay it off. If you stick to the 15-month limit, you should pay about $40.00 per month. Set up an automatic payment to make sure you never miss a month.

  4. 04

    Buy the accessories now

    Budget an extra $50 to $100 for a better head strap or a carrying case. These small items make the device much more comfortable to use for long sessions. Add this to your total before you finalize the purchase.

  5. 05

    Check the return policy

    Before you open the box, double-check the retailer's return window. If the headset doesn't fit right or causes motion sickness, you want to be able to return it for a full refund.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Discover it® Cash Back carries the date a person verified it against Discover and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Discover it® Cash Back terms →

Common questions

Should I buy the newest model?

Usually, no. Last year's high-end model is often just as good and significantly cheaper during holiday sales. Only buy the latest version if there is a major hardware leap.

What happens if I miss a payment?

Missing a payment can lead to late fees and might even end your 0% intro APR offer early. Stick to your $40.00 monthly plan to stay safe.

Is VR worth the $600?

It depends on how much you play. If you spend hours gaming every week, the immersion is worth the price. If you only play occasionally, you might be better off renting one first.

Can I pay it off faster?

Yes, and you should. Paying it off in 10 months instead of 15 frees up your credit limit sooner and lowers your overall debt. There is no penalty for paying early.